Some restrictions do apply to the Sb1 Elite Money Market Account. Although you can make transfers to your Money Market Account via NetBanker, account access is not available through ATMs or through Sb1's BillPay service.

Up to six (6) preauthorized, automatic, telephone transfers or withdrawals may be made from each Money Market Account to another account or to a third party in any month, and no more than six (6) transfers may be made by check, draft, or debit card to a third party. Any checks drawn on your Money Market Account must be for an amount of $250 or more. If you exceed these limitations, your account may be subject to a fee or be closed.

There is no minimum balance required to open an Sb1 Money Market Account, however to start earning interest the minimum balance is $2,500.

If you make in excess of 6 transactions per month (writing checks, transfers) or you draw checks in an amount less than $250, your account will be subject to fees. Fees could reduce the earnings on the account.

Elite Money Market dividends are calculated monthly on your entire balance in the tier your balance falls in for that month. For example, if your balance is $15,500.00 for the first 15 days in the month, you will earn the dividend rate for tier 2 on the entire balance in the account, for 15 days. If your balance is $7,500.00 for the last 15 days of the month, you will earn the dividend rate for tier 1 on the entire balance in the account for 15 days.

Share Certificates / Individual Retirement Account (IRA)

Rates effective starting: 8/2/2015

Share Certificates Minimum Balance $500

Dividend Rate

Annual Percentage Yield1

3-month Share Certificate/IRA

0.20%

0.20%

6-month Share Certificate/IRA

0.30%

0.30%

12-month Share Certificate/IRA

0.40%

0.40%

24-month Share Certificate/IRA

1.00%

1.00%

30-month Flex CD3

1.49%

1.50%

36-month Share Certificate/IRA

1.24%

1.25%

48-month Share Certificate/IRA

1.49%

1.50%

48-month JUMP Share Certificate/IRA4

1.49%

1.50%

60-month Share Certificate/IRA

1.98%

2.00%

18-month Share Certificate/IRA Special

1.00%

1.00%

30-month IRA Growth CD2

1.49%

1.50%

1Rates are subject to change at any time without notice. 2IRA Growth CD is for new money only. Deposits can be added up to your IRA annual limit for IRA contributions on the IRA Growth CD.3Flex CD offer is for new money only. New money is defined as funds less than 30 days old on deposit at Sb1 or funds transferred from another financial institution. Up to 50% of the Flex CD funds can be accessed one time during the life of the Flex CD at no penalty. Minimum of $500 is required and the maximum allowed is $1,000,000. 448-month JUMP Regular Share Certificate/IRA allows the member to increase the rate one time during the term of the Certificate/IRA if the Certificate/IRA rate of the same or lesser term is higher. The increase must come at the request of the member. There may be a penalty for early withdrawal.

Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Dividends are be compounded monthly and are credited monthly. All Certificate dividend rates are fixed for the term of the Certificate. The Annual Percentage Yield is based on the assumption that dividends will remain on deposit until maturity. Premature withdrawal will reduce earnings. There may be a penalty for early withdrawal. Any fee imposed may reduce the earnings on your account.

The dividend rates and Annual Percentage Yields may change at any time at the discretion of the Sb1 Federal Credit Union Board of Directors. The Credit Union reserves the right to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by them except for those amounts paid into Share Draft/Checking Accounts.

Loan Rates

New & Used Auto3

Product5

APR (As low as)1

Maximum term

New Auto 4

1.99%

72 months

New Auto 4

2.99%

84 months
($15,000 minimum)

DrivingSensetm New Balloon Auto

3.24%

72 months

Used Auto2

2.49%

72 months

Used Auto (2013 &2014)2

3.49%

84 months
($15,000 minimum)

DrivingSensetm Used Balloon Auto2

3.74%

60 months

Classic Auto

3.49%

60 months

1APR = Annual Percentage Rate. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time. 2A used vehicle is defined as model years covering the current calendar year and the past 7 calendar years. 3Monthly payment example of $287.93 or $19.20 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60 month auto at 100% Loan to Value at a rate of 2.99% Annual Percentage Rate.
4A new vehicle is defined as 5,000 miles or less.5 APR shown reflects .25% discount for automatic payment from a Sb1 Federal Credit Union checking or savings account. APR is .25% higher without automatic payment. Promotional rate discounts are subject to change at any time without notice. Cannot be combined with any other offer.

New & Used Boat/Watercraft, RV/Motorhome, Motorcycle

Product3

APR (As low as)1

Maximum term

New Motorcycle

2.99%

60 months

Used Motorcycle2

3.49%

60 months

New Boat/Watercraft

2.99%

60 months

Used Boat/Watercraft2

3.49%

60 months

New Motor Home/RV

2.99%

60 months

New Motor Home/RV

3.99%

84 months

Used Motor Home/RV2

3.49%

60 months

Used Motor Home/RV2

4.49%

84 months

1APR = Annual Percentage Rate. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time. 2A used vehicle is defined as model years covering the current calendar year and the past 7 calendar years. 3 APR shown reflects .25% discount for automatic payment from a Sb1 Federal Credit Union checking or savings account. APR is .25% higher without automatic payment. Promotional rate discounts are subject to change at any time without notice. Cannot be combined with any other offer.

Unsecured Loans

Product

APR1

Maximum term

Personal Loan

As low as 8.99%2

72 months

Student Loans (Student Choice)

As low as 6.25%3

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Share Secured

Share Rate +1.5%

120 months

Certificate Secured

Certificate Rate +1.5%

120 months

QuickCA$H Line-of-Credit

12.25%

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VISA Platinum Card

11.88% fixed

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VISA Gold Card

12.96% fixed

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VISA Classic Card

14.88% fixed

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VISA Secured Card

17.90% fixed ($25 Annual Fee)

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1APR = Annual Percentage Rate. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time. 2Members who want to refinance existing loans must borrow an additional $2500 in new money to qualify for current posted rate.3Prime market index plus a margin. As of July 1, 2014, the Prime index rate used will be 3.25% through September 30th. The margin rate currently ranges between 3.00% and 5.00% depending on the borrower/co-borrower's credit score at the time of application.
The 'floor' rate for the loan will be 6.00%, meaning that your interest rate will never fall below this 'floor' rate.

Home Loans2

Loan Type

Loan to Value

Annual Percentage Rate1

Maximum Term

First Lien Home Equity

80%

as low as 2.49%

5 years

First Lien Home Equity

80%

as low as 3.24%

10 years

First Lien Home Equity

80%

as low as 3.99%

15 years

Home Equity Fixed Rate

up to 80%

as low as 2.99%

5 years

Home Equity Fixed Rate

up to 80%

as low as 3.74%

10 years

Home Equity Fixed Rate

up to 80%

as low as 4.24%

15 years

Home Equity Adjustable 5/1 Rate

up to 80%

as low as 3.25%

15 years

Home Equity Line-of-Credit (Variable at Prime)

80%

as low as 1.95% (intro rate)3

20 years

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1APR = Annual Percentage Rate. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time. 2There is one low fee of $95 on any home equity loan. Certain states such as NY and Florida incur a tangible tax that will be paid by the borrower. Monthly payment of $899.00 based on a 3.00% APR, $50,000, 70% Loan to Value (LTV), 5 year term Home Equity Loan. Home Equity loans are not available in TX, PR.
31.95% APR is for the first twelve (12) months after the loan open date. At the beginning of the thirteenth month, your regular rate will go into effect which is based on the value of an index (the Prime Rate published in the Wall Street Journal).

Mortgage Rates

8/2/2015

30 year terms

Rates

Points

APR2

30 Year fixed (as low as)

4.000%

0.000%

4.057%

20 Year fixed (as low as)

3.750%

0.000%

3.827%

15 Year fixed (as low as)

3.125%

0.000%

3.223%

3/1 ARM (as low as)

2.750%

0.000%

2.835%

5/1 ARM (as low as)

2.875%

0.000%

2.878%

5/5 ARM (as low as)

2.750%

0.000%

2.835%

7/1 ARM (as low as)

3.375%

0.000%

3.125%

10/1 ARM(as low as)

3.625%

0.000%

3.373%

Jumbo Mortgages

*Please call us at 1-800-806-9465 for rates

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1Mortgage Loans are not available in CA, TX, WV and PR. Home Equity Loans are not available in TX, PR.

Payment example: for example, if you borrow $200,000 for 360 monthly payments at 3.500%, you would make monthly payments of $898.09 at an APR of 3.550%. This is only an example, your rate may vary based on a number of factors such as down payment, credit score, property value, and so forth.2APR = Annual Percentage Rate. Sb1 has a tiered loan rate policy which applies different loan rates to borrowers based upon the borrower's credit history. Rates subject to change at any time.